Call reports 2007
BELL BANK — 2007
What BELL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,661,235,000 | 1,701,368,000 | 1,705,120,000 | 1,815,913,000 |
| Total loans | 1,492,551,000 | 1,522,721,000 | 1,524,665,000 | 1,605,057,000 |
| Allowance for loan losses | 14,226,000 | 14,785,000 | 15,134,000 | 14,929,000 |
| Securities available for sale | 86,146,000 | 88,090,000 | 91,763,000 | 122,926,000 |
| Securities held to maturity | 1,459,000 | 1,374,000 | 1,614,000 | 2,510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,344,547,000 | 1,399,649,000 | 1,382,351,000 | 1,459,568,000 |
| Interest-bearing deposits | 1,180,990,000 | 1,233,270,000 | 1,204,344,000 | 1,248,402,000 |
| Noninterest-bearing deposits | 163,557,000 | 166,379,000 | 178,007,000 | 211,166,000 |
| Equity capital | 149,437,000 | 152,399,000 | 156,724,000 | 160,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 26,848,000 | 55,326,000 | 84,228,000 | 113,478,000 |
| Interest expense | 14,024,000 | 28,926,000 | 43,957,000 | 58,446,000 |
| Net interest income | 12,824,000 | 26,400,000 | 40,271,000 | 55,032,000 |
| Noninterest income | 3,271,000 | 7,089,000 | 10,789,000 | 14,722,000 |
| Noninterest expense | 10,758,000 | 22,292,000 | 33,737,000 | 46,055,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,600,000 | 2,200,000 |
| Pretax income | 4,751,000 | 10,011,000 | 15,746,000 | 21,522,000 |
| Income tax | 1,789,000 | 3,773,000 | 5,940,000 | 8,122,000 |
| Net income | 2,962,000 | 6,238,000 | 9,806,000 | 13,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 149,669,000 | 152,945,000 | 156,513,000 | 160,108,000 |
| Total capital | 163,895,000 | 167,730,000 | 171,647,000 | 175,037,000 |
| Risk-weighted assets | 1,567,967,000 | 1,615,481,000 | 1,620,587,000 | 1,697,155,000 |